Your loan is our priority



William Kuhn
President & CEO

for our Monthly mailed Newsletter

We send these out to keep you updated on the latest happenings in the real estate market.


Terms of Use & Privacy Policy

Terms of Use of Website


Welcome to the Advantage Mortgage Service Website (the "Site") of Advantage Mortgage Service. Through the Site you have access to content, documents, materials, information, products and services (collectively "Content") such as photos, videos, communication forums, service information and other content. By using the Site, you agree to follow and be bound by the following terms and conditions concerning your access to and use of at the Site and the Content provided on the Site ("Terms of Use") seen here: https://www.mortgagesinca.com/terms-of-use-of-website and our Privacy Policy seen here: https://www.mortgagesinca.com/privacy-policy. Advantage Mortgage Service may revise the Terms of Use of Website and Privacy Policy at any time without notice to you.

Ownership of Site; Agreement to Terms of Use

These Terms and Conditions of Use (the "Terms of Use of Website") apply to the Advantage Mortgage Service website located at HYPERLINK https://www.mortgagesinca.com and all associated sites linked to HYPERLINK https://www.mortgagesinca.com by Advantage Mortgage Service. The Site is the property of Advantage Mortgage Service. All users of this Site agree that access to and use of this Site are subject to the following terms and conditions and other applicable law. BY USING THE SITE YOU AGREE TO THESE TERMS OF USE; IF YOU DO NOT AGREE, DO NOT USE THE SITE.

Copyright/Trademark Information

The entire content included in this Site, including but not limited to text, graphics, photos, videos or code, is copyrighted as a collective work under the United States and other copyright laws, and is the property of Advantage Mortgage Service; some photos are used with permission and are copyrighted by third parties. The collective work includes works that are licensed to Advantage Mortgage Service. Any trademarks, service marks or trade names of Advantage Mortgage Service used in the Site are trademarks or registered trademarks of Advantage Mortgage Service. All other trademarks and copyrights belong to their respective owners. The trademarks, logos, and service marks displayed on the Site are registered and unregistered trademarks of Advantage Mortgage Service and others. Nothing contained on the Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Site without the written permission of Advantage Mortgage Service or such third party that may own the trademarks displayed on the Site. The website itself is © Copyright 1996-2021, Advantage Mortgage Service. All Rights International and in the United States Reserved.

Use of Website Documents

Downloading of any and all Documents from the Site may be used solely for personal, informational, non-commercial purposes; and the Documents may not be modified or altered in any way. Except where your use constitutes "fair use" under copyright law, you may not otherwise use, download, upload, copy, print, display, perform, reproduce, publish, license, encode, post, transmit or distribute any Documents or other Content from the Site in whole or in part without the express authorization of
Advantage Mortgage Service. Except as expressly provided in these Terms of Use of Website, no part of the Site and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way (including "mirroring") to any other computer, server, Website or other medium for publication, viewing, or distribution for any personal or commercial enterprise, without Advantage Mortgage Service' express prior written consent.

Although we make this Site freely accessible, we don't intend to give up our rights, or anyone else's rights, to the materials appearing on the Site. The materials available through this Site are the property of
Advantage Mortgage Service or its licensors, and are protected by copyright, trademark and other intellectual property laws. Advantage Mortgage Service and its licensors expressly reserve all other rights and licenses. You are free to display and print for your personal, non-commercial use information you receive through this Site, but you may not otherwise reproduce or modify any of the materials without the prior written consent of their owner. You are free to encourage others to access the information themselves directly on this Site, and to tell them how to find it. Any content that you copy from the Site for personal use only needs to be credited to https://www.mortgagesinca.com and Advantage Mortgage Service, and linked to the Site's URL: https://www.mortgagesinca.com.

You should assume that everything you see or read on the Site is copyrighted material unless otherwise noted, and may not be used except as provided in these Site Terms and Conditions or in the text on the Site without the written permission of
Advantage Mortgage Service. Advantage Mortgage Service neither warrants nor represents that your use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with Advantage Mortgage Service.

Images of people or places displayed on the Site are either the property of, or used with permission by
Advantage Mortgage Service. The use of these images by you, or anyone else authorized by you, is prohibited unless specifically permitted by these Site Terms and Conditions, or specific permission provided elsewhere on the Site, or by written permission of Advantage Mortgage Service. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

You may display and, subject to any expressly stated restrictions or limitations relating to specific material, download or print portions of the material from the different areas of the Site solely for your own non-commercial use. Any other use of materials on this Site, including but not limited to the reproduction, distribution, display or transmission of the content of this Site, is strictly prohibited, without the prior written permission of
Advantage Mortgage Service.

Warranty Disclaimer

This Site is provided as is and without warranties of any kind, whether express or implied. Advantage Mortgage Service does not represent or warrant that the functions contained in the Site will be uninterrupted or error-free, that the defects will be corrected, or that this Site or the server that makes the Site available are free of viruses or other harmful components. Advantage Mortgage Service does not make any warranties or representations regarding the use of the materials in this Site in terms of their correctness, accuracy, adequacy, usefulness, timeliness, reliability or otherwise. Some states do not permit limitations or exclusions on warranties, so the above limitations may not apply to you. Data or other information provided on this site, whether directly, or through links to outside sources or websites, is not to be relied upon for your physical safety. Always contact local authorities about local conditions on Lake Powell, the forecasted weather, and other important safety information in the general area.

Limitation of Liability

Advantage Mortgage Service shall not be liable for any special or consequential damages that result from the use of, or the inability to use, the materials on this Site even if Advantage Mortgage Service has been advised of the possibility of such damages. Applicable law may not allow the limitation of exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Advantage Mortgage Service be liable for any direct, indirect, incidental, special or consequential damages, or damages for loss of profits, revenue, data or use, incurred by you or any third party, whether in an action in contract or tort, arising from your access to, or use of, the Site or any content, documents, materials, information, products or services downloaded, information linked to from this Site, or otherwise obtained through the use of this Site.

Term; Termination

These terms and conditions are applicable to you upon your accessing the Site and/or submitting information or making a financial transaction. These terms and conditions, or any part of them, may be terminated or changed by Advantage Mortgage Service without notice at any time, for any reason. The provisions relating to Copyrights, Trademarks, Disclaimer, Limitation of Liability, Indemnification and Applicable Laws, shall survive any termination.


Advantage Mortgage Service may deliver notice to you by means of email, or by placing a general notice on the Site, or by other reliable method to the address(es) you have provided to Advantage Mortgage Service, whether email addresses or physical addresses.

Applicable Laws

Your use of this Site shall be governed in all respects by United States of America federal law and the laws of the State of Utah, U.S.A., without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this Site (including but not limited to the purchase of
Advantage Mortgage Service products or services) shall be in a state court located in Orange County, California. Any cause of action or claim you may have with respect to the Site (including but not limited to the purchase of Advantage Mortgage Service products or services) must be commenced within one (1) year after the claim or cause of action arises. Advantage Mortgage Service's failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. Advantage Mortgage Service may assign its rights and duties under this Agreement to any party at any time without notice to you.

Use of Site

Harassment in any manner or form on the Site, including via email, chat, or by use of obscene or abusive language, is strictly forbidden; impersonation of others, including a Advantage Mortgage Service or other licensed employee, host, or representative, as well as other members or visitors on the Site is prohibited. You may not upload to, distribute, or otherwise publish through the Site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable which may constitute or encourage a criminal offense, violate the rights of any party, or which may otherwise give rise to liability or violate any law. You may not upload commercial content on the Site or use the Site to solicit others to join or become members of any other commercial online service or other organization.

Participation Disclaimer

Advantage Mortgage Service may not always review all communications and materials posted to or created by users accessing the Site (if such functions are made available), and is not in any manner responsible for the content of these communications and materials. You acknowledge that by providing you with the ability to view and distribute user-generated content on the Site, Advantage Mortgage Service is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any content or activities on the Site. However, Advantage Mortgage Service reserves the right to block or remove communications or materials that it determines to be (a) abusive, defamatory, or obscene, (b) fraudulent, deceptive, or misleading, (c) in violation of a copyright, trademark or other intellectual property right of another, or (d) offensive or otherwise unacceptable to Advantage Mortgage Service in its sole discretion. Advantage Mortgage Service reserves the right to make changes or updates to the Site at any time without notice for any reason.


You agree to indemnify, defend and hold harmless Advantage Mortgage Service, its officers, directors, employees, representatives, agents, contractors, licensors and suppliers (collectively the "Service Providers") from and against any and all claims, liabilities, damages, losses, expenses and costs, including reasonable attorneys' fees, due to or arising out of your access to or use of the Site or Content on the Site, your uploading, emailing, posting, publishing or otherwise transmitting Content to any Forum, or resulting from any violation of the Terms of Use of Website or any activity related to your account (including negligent or wrongful conduct) by you or any other person accessing the Site using your internet account, or your violation of any rights of another.

Third Party Links, Websites, Content, Products and Services

In an attempt to provide increased value to our visitors,
Advantage Mortgage Service may link to sites operated by third parties. However, even if the third party is affiliated with Advantage Mortgage Service, Advantage Mortgage Service has no control over such linked sites, all of which have separate privacy and data collection practices, independent of Advantage Mortgage Service. These linked sites are only for your convenience and therefore you access them at your own risk. Nonetheless, Advantage Mortgage Service seeks to protect the integrity of its Site and the links placed upon it and therefore requests any feedback on not only its own Site, but for sites it links to as well (including if a specific link does not work). Advantage Mortgage Service reserves the right to remove any links on or to its Site at any time, for any reason.

The Site may provide links to Websites and access to Content from third parties, including users, advertisers, affiliates and sponsors of the Site. You agree that
Advantage Mortgage Service is not responsible for the availability of, and Content provided on, third party Websites. You should refer to the policies posted by other Websites regarding privacy and other topics before you use them. You agree that Advantage Mortgage Service is not responsible for third party Content accessible through the Site, including opinions, advice, statements and advertisements, and understand that you bear all risks associated with the use of such Content. If you choose to purchase any products or services from a third party, your relationship is directly with the third party. You agree that Advantage Mortgage Service is not responsible for: (a) the quality of third party products or services; and (b) fulfilling any of the terms of your agreement with the seller, including delivery of products or services and warranty obligations related to purchased products or services from third parties. You agree that Advantage Mortgage Service is not responsible for any loss or damage of any sort you may incur from dealing with any third party.

Changes to Our Terms of Use of Website

Periodically we may update our Terms of Use of Website web page. When we do, we will update the date at the bottom of the Terms of Use of Website web page, so you may be able to check back for any new changes.
Advantage Mortgage Service has the right to update this policy at any time. We may add to it so we can protect you even better in the future. By using this Site, you acknowledge and agree that it is your own responsibility to read this policy once in a while so you continue to be informed of any changes.

Date Last Updated: December 13, 2021

Privacy Policy

You have come to a website (Site) that is provided by Advantage Mortgage Service. Advantage Mortgage Service is committed to respecting your online privacy and recognizes your need for appropriate protection and management of any personally identifiable information ("Personal Information") that you may share with us. This "Privacy Policy" governs your use of the website (Site) located at: https://mortgagesinca.com, including, without limitation, both desktop, tablet, mobile and phone versions of our Site. This policy also applies to your use of all social media channels, content, downloads, content and information on forms you send to us, and other features and services which we may make available on the Site and/or which may post a link to this Privacy Policy, including, but not limited to email, direct mail or internet marketing campaigns, campaigns executed within our offices or facilities, any communications you may have with Advantage Mortgage Service associates, employees, or vendors, and if you register to join our email list to receive information and sales offers or other information (all of which is collectively referred to as the "Platform"), regardless of how you access our Site, whether using a mobile phone, a computer, tablet or laptop or otherwise. This Privacy Policy also applies to any text messages you may send to us. Information you may share with us can allow Advantage Mortgage Service to be able to provide the services and products you are requesting which you may want to know about, as well as give you a better shopping experience on our Site. By interacting with Advantage Mortgage Service on the "Platform", you are thereby consenting and agreeing to the use of your information as described here in our Privacy Policy and also in our Terms of Use of Website policy, seen here:

If Advantage Mortgage Service offers you additional ways to connect to our website (Site), such as via marketing campaigns, during which we collect Personal Information from you to be able to participate in such campaigns, whether or not such campaigns interact with our website (Site), we will inform you of our Privacy Policy that applies to our collection and use of such Personal Information.

Our Privacy Policy is also incorporated as part of our Terms of Use of Website policy (see link directly above). Every time you visit the website or use the Platform, you are indicating to Advantage Mortgage Service that you are agreeing to be bound by the Terms of Use of Website and this Privacy Policy.

Personal Identification Information

Advantage Mortgage Service has established this Privacy Policy so that you may understand the care with which we intend to treat your Personal Information.

Personal Information means any information that may be used to identify an individual, including, but not limited to, a first and last name, a home and other physical mailing address, an email address, phone number(s), I.P. (Internet Protocol) address, or other contact information, and any other information we collect when Users visit our website and fill in forms. We only collect information Users submit to us voluntarily, as they continue to use our Site. All such personal information is held strictly confidential by
Advantage Mortgage Service and is only used to inform you about information you need or have requested from Advantage Mortgage Service, relating to its services or products.

In the few instances where
Advantage Mortgage Service collects personally identifiable information through its Website located at
https://www.mortgagesinca.com Advantage Mortgage Service will not share that information with other companies or individuals unless we need to share your information with certain third parties which which we have a business relationship in order to provide a product or service you have specifically requested or ordered.

What Information Do We Collect and How Do We Use It?

You share information with Advantage Mortgage Service in a number of ways — on our website, in our office facilities, by emails, on our website forms, and by phone, texting, and by physical mail. For example, you may share information with us when you:

—Schedule an Appointment with us
—Request us to provide other services to you
—Visit our Website, use any portion of our website, or download info from our website
—Fill in one of our Website Forms
—Click a link in an Email we sent you
—Sign up to Join our Email List
—Request Customer Service or otherwise Contact Us
—When you Email, Text, or Call us on the Phone
—Submit User-Created Content to us, such as photos, texts, videos, documents, etc.
—Communicate with one of our team members about our services and other matters
—Otherwise communicate information to us

—We also may use your personal information to support our business functions such as marketing campaigns, facility/office operations, etc.
—We may share your information with companies providing support services to us, including but not limited to email providers, mobile marketing services, analytics providers, web hosting providers, printers, banks and payment processors, data enhancement, management or processing services, fraud prevention providers, shipping services providers, product vendors, service vendors, and advertising vendors. We may provide your information to third parties when you request information about or provide information to such third parties.

If you are a California resident, please see
"Your California Privacy Rights" below for more information about your rights regarding third party sharing.

When you engage in these different types of activities, you may share different types of information with us, such as:

—First and Last Name
—Date of Birth or Age
—Mailing Address
—Email Address
—Telephone or Mobile Phone Number
—Social Media information, including but not limited to Facebook, Instagram or TwitterID

Advantage Mortgage Service may collect User Personal Information and use it for these reasons:

—To establish you as a customer who is being served.
—To provide services or products you request.
—To send you emails in the process of serving you as a customer, answering questions, responding to requests.
—To improve our own customer service, our Site, and the User’s experience on the Site.
—We sometimes use aggregated information to learn how our Users use the services and resources we provide to them on our Site. This data is aggregated for the entire group of Users and is not individually identifiable.
—We may email you information about services, products, packages, events, sales offers, questionnaires, scheduling, or deadlines, and in that effort we may collect information about what you did or did not click on in such emails so we may track what items you are interested in, so that we may be of benefit to you.

Information We Collect and Store as you Access and Use the Platform

Advantage Mortgage Service and third parties which may be acting on our behalf for business purposes might also collect information you give us using various technologies, like using a cookie placed on your computer when you visit https://www.mortgagesinca.com. This information may be stored or accessed using a variety of technologies that may be downloaded to your personal computer, browser, laptop, tablet, mobile phone or other device (a “Device”) whenever you visit or interact with our Platform. This information may be non-identifying or may be associated with you. Whenever we associate any non-identifying information with your personal information, we will treat it as Personal Information.

Also, some third parties may also use similar tracking technologies that connect with our Platform, that can include collecting information about your online activities over time and across third-party websites or online services. We do not control third-party tracking technologies and we are not responsible for them. However, you consent to potentially encountering third-party tracking technologies connecting to our Platform and accept that our statements under this Privacy Policy do not apply to the tracking technologies or practices of such third parties. The presence of any third-party content, links or apps that may appear on our website (Site) or on other parts of our Platform should not be deemed to imply that we endorse or have an affiliation with the associated third party website. We may simply have provided such a link to lead the web visitor to more additional information that may be useful. We are not responsible for the data collection, privacy practices, or the content of other such websites. We encourage you to review the separate privacy policies of each website you might visit.

We or third parties acting on our behalf collect technical information when you visit our website, such as the Internet Protocol (IP) address of your device, your device's operating system and browser type, a unique device identifier, the path of web pages you take through our website, and other information about your session on our website such as which pages you viewed and how long you stayed on them. We or third parties acting on our behalf may use cookies, web beacons and other technologies to receive and store certain types of information collected whenever you interact with us through your computer, tablet, or mobile device. This information helps us recognize you, makes our marketing efforts more relevant, and includes, but is not limited to: the web pages you visit on our website, which web address you came directly from to get to our website, purchase information and checkout process, search terms, and the Internet Protocol (IP)-based geographic location you were in when you accessed our website. We may use this information to market to you through third party advertising companies that display advertising information to you online based on your shopping and browsing history. Such companies may use cookies, web beacons, and other technologies to measure the ad's effectiveness. You can turn off cookies or delete them with software by yourself. Your browser's Help section tells you how to do this for cookie settings, and how to not receive cookies on your device(s). However, if you do set the browser to NOT receive cookies, you may not be able to access all features and functionality of our website. See
AboutCookies.org for more info about cookies.

Financial and Payment Information

Advantage Mortgage Service does not store or save in its systems credit card, debit card, or PayPal information. All payment processes are executed and managed by widely used and authorized third parties on behalf of Advantage Mortgage Service.

Non-Personal Identification Information

Whenever users interact with our Site, we may collect non-personal identification information about them, such as the software browser name and the type of computer or device being used when on the Site, and technical information about the User’s means of connecting to the Site, like the operating system and internet service provider being used. We also may collect info about how many minutes are spent on the Site, which pages are looked at, etc., to determine potential interests of the Site visitor.

We Protect Your Information

We use secure practices for data collection, processing and storage of information so that we protect you from disclosure, unauthorized access, alteration or destruction of your personal information, any username and password (if that function is activated), data, and transaction information that is entered or processed on our Site and stored on our or third-party payment processing servers. All interactions that occur during sensitive and private data exchanges between the Site and Users occur over a secured SSL (secure socket layer) data communication channel that is encrypted and protected with digital signatures using high-level banking security standards. You can verify this by noticing that our Site’s URL address begins with https (the “s” stands for it being a secure Site). While we implement security measures, you should be aware that 100% security is not always possible and therefore we disclaim all warranties, express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, quality of information, title and non-infringement, and you waive all claims therefor.

How Do We Protect Children's Personal Information?

Advantage Mortgage Service does not knowingly collect personal information online from children under the age of 16 unless we first obtain permission from the child's parent or legal guardian. If we discover that we have collected personal information from any child under age 16 without parental consent, we will dispose of that information in accordance with the Children's Online Privacy Protection Act ("COPPA") and other applicable laws and regulators. If you are a parent or guardian and believe that your child under the age of 16 has provided us with personal information without parental consent required by COPPA, we ask that you email us at: info@mortgagesinca.com or write to us via U.S. Certified Mail, Return Receipt Requested, to: Advantage Mortgage Service, 100 West Main Street, Suite 10, 2nd Floor, Tustin, CA 92780, Attn: Chief Privacy Officer, or call Advantage Mortgage Service Customer Service at (714) 486-3161.

How We Share Your Information

We might share generic, aggregated demographic data that does not contain personally identifiable information. This is generic info about visitors and Users of our Site. We may share this generic overall information with our business partners, trusted affiliates and advertisers for the purposes listed above. We don’t sell, trade, or rent our Users’ personal identification information to others. If you show interest in and make a comment using one of our Site forms, which information you send by email to us on our form(s), we may refer you to contact a third party about that information you showed interest in.

Web Browser Cookies

This Site, as most sites do, may use “Cookies” for the purpose of enhancing the User’s experience on the Site. The User’s own web browser places these cookies onto the User’s hard drive, for record-keeping purposes. Sometimes the cookies track information about the Users. Users can choose to set their own web browser to not accept cookies onto their computer; or they can choose to be alerted if cookies are being sent to their computer. If a User refuses to allow cookies, some functions of the Site may not work properly or be accessible. Cookies may also be deleted by the User by using other software to do so.

How Can I Change My Personal Preferences?

When you register your email address, first and last name, phone number or other information with us either over the phone, on our website forms, or while making a transaction with our company, you are responsible for maintaining the accuracy of the information you submit to us. You may Opt In (Subscribe) to receiving emails from us and to be added to our email marketing list. If you do so, you may also cancel or Opt Out of receiving (Unsubscribe) our email marketing communications by clicking Unsubscribe on any email we send you (at the bottom of the email). We do reserve the right to send you certain communications such as administrative and Platform-related announcements, and messages such as these will continue, even if you opt out of receive marketing messages.

For any questions you may have about our Privacy Policy or practices, you should contact us by writing to: Advantage Mortgage Service via U.S. Certified Mail, Return Receipt Requested, at 100 West Main Street, Suite 10, 2nd Floor, Tustin, CA 92780, attention: Chief Privacy Officer, or by calling us at
(714) 486-3161. We will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable (but we may retain prior information as business records). Please note that it is not always possible to completely remove or delete all of your information from our databases and that residual data may remain on backup media or for other reasons.

Can My Data be Transferred to the United States?

Our Platform is operated in the United States and intended for users located in the United States. If you are located outside of the United States, please be aware that information we collect, including personal information, will be transferred to, and processed, stored and used in the United States.  The data protection laws in the United States may differ from those of the country in which you are located, and your personal information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States.  By using the Platform or providing us with any information, you consent to the transfer to the United States, and processing, usage, sharing and storage of your information, including personal information, in the United States as set forth in this Privacy Policy.

What Law Governs This Privacy Policy and How Will Disputes be Resolved?

Our website is published in the United States and is intended for users in the United States. U.S. law shall govern in any and all disputes. If it is necessary to use a court for resolution, it shall be in a court in the State of California where Advantage Mortgage Service is operated.

Your California Privacy Rights - California Consumer Privacy Act

The California Consumer Privacy Act (CCPA) was enacted in 2018 and took effect on January 1, 2020 in the State of California. This landmark piece of legislation secured new privacy rights for California consumers. On October 10, 2019 Attorney General Xavier Becerra released draft regulations under the CCPA for public comment.

This California-specific notice ("California Disclosure and Privacy Policy") applies only to California resident consumers ("California consumer" or "you") who are natural persons who are residents in the State of California for other than a temporary or transitory purpose, or who are domiciled in the State of California but may be outside the state for a temporary or transitory purpose, however identified, including by any unique identifier. An individual may be a resident although not domiciled in the State of California, and, conversely, may be domiciled in the state without being a resident.

The CCPA grants new rights to California consumers

1. The right to know what personal information is collected, used, shared, or sold, both as to the categories and specific pieces of personal information

2. The
right to delete personal information held by businesses and by extension, a business's service provider(s)

3. The
right to opt out of sale of personal information. Consumers are able to direct a business that sells personal information to stop selling that information. Children under the age of 16 must provide opt-in consent, with a parent or legal guardian consenting for children under age 13.

4. The
right to non-discrimination in terms of price or service when a consumer exercises a privacy right under CCPA.

The CCPA imposes new business obligations

1. Businesses subject to the CCPA [which have $25 million+ gross annual revenues, buys, receives or sells personal information of 50,000 or more consumers, households, or devices; or derives 50% or more of annual revenues from selling consumers' personal information] must provide notice to consumers at or before data collection. Also, per the proposed drafted regulations, businesses that handle the personal information of more than 4 million consumers will have additional obligations.

2. Businesses must
create procedures to respond to requests from consumers to opt out, know, and delete. For requests to opt out, businesses must provide a "Do Not Sell My Info" link on their website or mobile app.

3. Businesses must respond to requests from consumers to know, delete, and opt out within specific timeframes. Draft regulations state businesses must treat user-enabled privacy settings that signal a consumer's choice to opt out as a validly submitted opt-out request.

  • 4. Businesses must verify the identity of consumers who make requests to know and to delete, whether or not the consumer maintains a password-protected account with the business.
  • California consumers have the right to request that Advantage Mortgage Service disclose what personal information it collects, uses, discloses, and sells about them.
  • This information will only be disclosed to a California consumer upon receipt of a verifiable consumer request as outlined in the information below.
  • California consumers may submit a verifiable consumer request to know by completing the webform located HERE.

This California Disclosure and Privacy Policy governs your use of https://www.mortgagesinca.com (including, without limitation, both mobile and online versions of this Site) and also applies to your use of all features, applications, social media channels, content, downloads and other services that we may make available through the Site and/or that post a link to this California Consumer Disclosure and Privacy Policy, including but not limited to subscribing (opting in) to receive our email marketing communications, agreeing to receive text or phone message communications from us, participating in other marketing campaigns, or by communicating with our employees, associates, subcontractors and others in our facilities, or any other communication with us (all referred to as the "Platform") — regardless of how you access or use the Site, whether via personal computers, mobile devices or otherwise. It also governs your use of our services offline as well. Advantage Mortgage Service employees, associates, or customer service representatives, may collect information directly from you in our office or facilities or at local docks at Lake Powell as they fulfill your service order or product purchase(s).

The process Advantage Mortgage Service will use to verify your California consumer request, including any information you must provide is described below:

To verify your request, we use the facts you provide regarding your interaction with us in your verified consumer request and match that information to information we have in our records.

California Consumer Information that Advantage Mortgage Service May Collect and Store from Your Access and Use of the Platform

Advantage Mortgage Service may collect the following categories of consumer personal information, as described in California Civil Code Section 1798.140(u), about California consumers:

  • Identifiers and categories of personal information described in California Civil Code Section 1798.80(e): First and Last Name, Mailing Address, E-Mail Address, Telephone or Mobile Number, IP Address.

  • Characteristics of protected classifications under California or federal law: Date of birth or Age, Gender.

  • Commercial Information: Purchase and Usage History, Credit Card or Debit Card Account Number, PayPal Account information, Apple Pay Information

  • Internet or other electronic network information: Social Media Information, including Facebook, Instagram or Twitter ID, Browser, Device, Operating System and Hardware Type.

  • Geolocation data: IP-based geolocation data.

  • Inferences drawn from any of the above.

Disclosure or Sale of Personal Information

Advantage Mortgage Service
does not and will not sell your personal information. (Please note that the CCPA uses an expanded definition of the term “sell,” in which “sell” means: “Selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer’s personal information by the business to a third party for valuable consideration; or (B) sharing orally, in writing, or by electronic or other means, a consumer’s personal information with a third party, whether for valuable consideration or for no consideration, for the third party’s commercial purposes.”)

Right to Non-Discrimination for the Exercise of a California Consumer's Privacy

California consumers have the right not to receive discriminatory treatment for the exercise of their privacy rights conferred by the California Consumer Privacy Act.

This includes, but is not limited to:

(A) Denying goods or services to a California consumer.
(B) Charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties.
(C) Providing a different level or quality of goods or services to a California consumer.
(D) Suggesting that a California consumer will receive a different price or rate for goods or services or a different level or quality of goods or services.

California Consumer’s Authorized Agent

For California consumers, an authorized agent is a natural person or a business entity registered with the California Secretary of State that a California consumer has authorized to act on their behalf subject to the requirements outlined below and in California law. This information does not constitute legal advice. If you have any questions, please contact a lawyer competent in this area of law.

Requirements for a California consumer’s agent to submit a request to know or a request to delete

When a California consumer uses an authorized agent to submit a request to know or a request to delete, Advantage Mortgage Service may require that the consumer:

(1)  Provide the authorized agent written permission to do so; and
(2)  Verify their own identity directly with the business.

These steps do not apply if a California consumer has provided the authorized agent with power of attorney pursuant to pertinent sections California Probate Code.

Advantage Mortgage Service may deny a request to know or a request to delete from an agent who does not submit proof that they have been authorized by the California consumer to act on their behalf.

Advantage Mortgage Service does not knowingly sell personal information of California consumers under the age of 16 without permission from a parent or guardian. If you think we have, please let us know.

Other California Privacy Rights

Under California’s Shine the Light Law, if you are a resident of California you may make a written request to us to request how we have shared your information with nonaffiliated third parties for their direct marketing purposes during the preceding calendar year.  You may contact us at info@mortgagesinca.com or via U.S. Certified Mail, Return Receipt Requested to: Advantage Mortgage Service, Attn: Chief Privacy Officer, 100 West Main Street, Suite 10, 2nd Floor, Tustin, CA 92780, or call our Customer Service at (714) 486-3161. In response to your written request, we will provide you with a notice describing the cost-free means to opt-out of our sharing your information with nonaffiliated third parties (i.e., those with whom we do not share the same brand name), if the third party will use it for their direct marketing purposes.

Additionally, under California’s Online Eraser Law, if you are a California resident under 18 years old and you have an account on mortgagesinca.com, you can request that we remove content that you have posted to our website or other online services. To request removal of content or information, please email: info@mortgagesinca.com, write to us via U.S. Certified Mail, Return Receipt Requested, to Advantage Mortgage Service, Attn: Chief Privacy Officer, 100 West Main Street, Suite 10, 2nd Floor, Tustin, CA 92780, or call Advantage Mortgage Service Customer Service at (714) 486-3161. Advantage Mortgage Service shall process any such request.

This California Disclosure and Privacy Policy is incorporated into and subject to the Terms of Use of Website (https://www.mortgagesinca.com/terms-of-use-of-website). Each time that you access or use the Platform you signify that you agree to be bound by the Terms of Use of Website and also by this California Disclosure and Privacy Policy.

International Privacy Rights

Regarding international privacy laws, Advantage Mortgage Service respects the privacy rights of any person, and also complies with the European law regarding privacy in Europe — the GDPR or General Data Protection Regulation. See this link about it:


Data Protection Directive (officially Directive 95/46/EC on the protection of individuals with regard to processing of personal data ( (PII US) ) and on the free movement of such data) was a European Union directive adopted in 1995 which regulates the processing of personal data within the European Union. It is an important component of EU privacy and human rights law.

The General Data Protection Regulation adopted in April, 2016 has superseded the Data Protection Directive and became enforceable starting May 25, 2018. The seven principles governing the OECD's recommendations for protection of personal data were:

1. Notice—data subjects should be given notice when their data is being collected;
2. Purpose—data should only be used for the purpose stated and not for any other purposes;
3. Consent—data should not be disclosed without the data subject's consent;
4. Security—collected data should be kept secure from any potential abuses;
5. Disclosure—data subjects should be informed as to who is collecting their data;
6. Access—data subjects should be allowed to access their data and make corrections to any inaccurate data;
7. Accountability—data subjects should have a method available to them to hold data collectors accountable for not following the above

The OECD guidelines, however, were non-binding, and data privacy laws still varied widely across Europe.

The EC has set a compliance date of 25 May 2018, giving businesses around the world a chance to prepare for compliance, review data protection language in contracts, consider transition to international standards, update privacy policies, and review marketing plans.

Under GDPR, companies must develop
processes and/or systems to respond to individual requests for access to personal information and for erasure of personal information.

Changes to Our Privacy Policy

Periodically we may update our Privacy Policy. When we do, we will update the date at the bottom of the Privacy Policy web page, so you may be able to check back for any new changes.
Advantage Mortgage Service has the right to update this policy at any time. We may add to it so we can protect you even better in the future. By using this Site, you acknowledge and agree that it is your own responsibility to read this Privacy Policy once in a while so you continue to be informed of any changes. Any changes become effective immediately once made. Your use of our Platform shows you consent to the Privacy Policy that is posted at the time you use the website or Platform. However, we will not use your previously collected personal information in a manner materially different than it was represented at the time it was collected, without your consent. If any provision of this Privacy Policy is found by a competent tribunal to be invalid or unenforceable, such provision shall be severed to the extent necessary for the remainder to be valid and enforceable.

Advantage Mortgage Service is a responsible company which values its customers and others who contact us, and their wishes about how they'd like to receive or not receive communications from us. Our goal is to always please our customers, offer them the best services, and hope they will continue to be customers because of the integrity with which Advantage Mortgage Service conducts its business.

Your Acceptance of These Terms

By using this Site, you are signifying that you accept this Privacy Policy and our Terms of Use of Website. If you do not agree with this policy, do not use our Site. Your continued use of our Site after we post changes to this policy will be understood as you have accepted our changed policy.

Thank you for your interest in
Advantage Mortgage Service and https://www.mortgagesinca.com

© Copyright 1996-2021, Advantage Mortgage Service. All Rights International and in the United States Reserved.

Contacting Us:

If you have questions about our Terms of Use or our Privacy Policy, please contact us at:

Advantage Mortgage Service
100 W. Main Street, Suite 10, 2nd Floor
Tustin, California 92780

You may call us any time, 24/7. You may text to the Cell phone below.
Meetings by Appointment Only.

Monday-Friday 10:00am - 5:00pm

Office Phone: 714.486.3161
Office Fax: 714.486.3439
Cell Phone: 949.735.0449

Website: https://www.MortgagesinCA.com


Date Last Updated: December 13, 2021

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Copyright © 1996-2022, Advantage Mortgage Service. All Rights Reserved.
Licenses: Corporate NMLS# 326170, NMLS# 322836, CalBRE#01163114
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